| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFB GROUP SERVICES LLC Filed as: TFB GROUP SERVICES, LLC | 4801 W 110TH ST OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE CO. | $55K | $0 | $55K | 4.12% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $20K | $0 | $20K | 1.49% |
| TFB GROUP SERVICES LLC | PO BOX 7190 OVERLAND PARK, KS 66207 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.27% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $448 | $0 | $448 | 3.39% |
| TFB GROUP SERVICES LLC Filed as: TFB GROUP SERVICES, LLC | PO BOX 7190 OVERLAND PARK, KS 66207 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 255 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 255 | $1.3M |
| Vision | AETNA LIFE INSURANCE CO. | 255 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.